Interest Rates
Effective from 2083.04.01 (2026/07/17)
Interest Rates on Deposits (p.a. on daily basis)
Fixed Deposits
Individual Institutional
3 Months २.७५% -
6 Months to Below 3 Year २.७५% २.७५%
3 Years to Below 5 Years २.७५% २.७५%
5 Years and above ४.५९% २.७५%
Recurring Deposit
Product Name Minimum Monthly Balance (NPR) Interest Rate (% p.a.)
Jyoti Recurring Deposit ५०० २.७५%
Jyoti Dui Guna Deposit
Product Name Interest Rate Tenure
Jyoti Dui Guna (Individual) ४.५९% १५ Years २ Months
Call Deposit Up to १.३७५% -
Saving Deposits
Saving Deposits Minimum Balance (NPR) Interest Rate (% p.a.)
Jyoti Bumper Saving Account १ २.७५%
Jyoti Premium Savings Account १०,००० २.७५%
Jyoti Salary Savings Account ० २.७५%
Jyoti Sawari Chalak Surakshya Khata १०० २.७५%
Jyoti Ansiyar Bachat Khata १०० २.७५%
Jyoti ASBA Bachat Khata १ २.७५%
Jyoti Sampati Bachat Yojana ५,००० २.७५%
Jyoti Bal Bachat Khata १०० २.७५%
Jyoti Jestha Nagarik Khata ५०० २.७५%
Jyoti Samridhi Bachat Khata ० २.७५%
Hamro Surakshit Bachat Khata ३,००० २.७५%
Micro Finance Saving १०० २.७५%
Bhukampa Pidit Khata ० २.७५%
Remittance Khata ० २.७५%
Nari Samman Bachat Khata १,००० २.८०%
Muwabja Bachat Khata ० २.७५%
Staff Saving Account ० २.७५%
Samajik Surakshya Khata ० २.७५%
Jyoti Smart Savings Account ० २.७५%
Super Smart Savings Account १५ २.७५%
Foreign Currency Deposit
Minimum Balance (NPR) Interest Rate (% p.a.)
Call Deposit - १.००%
Saving Deposit - २.००%
Fixed Deposit - ३.००%
*Rate for Remittance Deposit : Additional Minimum १%
Floating Loan and Advances (p.a. on daily basis)
Premium over base rate (% p.a.)
(As per category of Internal Risk Grading Guideline)
Loan Products Risk Grade A Risk Grade B Risk Grade C&D
Business Loan (Corporate / SME) १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Home Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Private Auto Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Education Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
H.P. Loan Commercial २.००% - ३.५०% ३.५१% - ५.००% ३.५१% - ५.००%
Personal Loan (Term / OD) २.०१% - ३.५०% ३.५१% - ४.००% ३.५१% - ५.००%
Real Estate Loan २.०१% - ३.५०% ३.५१% - ४.००% ४.०१% - ५.००%
Loan Against Shares (Fresh) - २.५०% - ४.५०% -
Professional Loan - ३.००% - ५.००% -
Gold Loan - ३.००% - ५.००% -
Deprived Sector Loan - up to २.००% -
Loan to Microfinance (Wholesale Lending) - up to २.००% -
Loan Against Fixed Deposit - Coupon rate + up to २.००% -
Fixed Loan and Advances (p.a. on daily basis)
Jyoti Auto Loan ८.४९%
Jyoti Ghar Karja ८.४९%
Fixed Rate for Personal Natured Term Loan (Other) ८.९९%
Avg. Base Rate (Chaitra २०८२ to Jestha २०८३)
५.८१%
Consortium Financing
As per Consortium Decision but not less than Base Rate
